Bandhan Bank Loan Against Property (LAP) is a convenient financing option that enables individuals and businesses to leverage the value of their residential or commercial property to meet large funding requirements. With interest rates starting from around 9.40% p.a., flexible tenures of up to 15 years, and loan amounts that can go as high as ₹5 crore, it is an ideal solution for business expansion, debt consolidation, education funding, or managing personal expenses.
The bank offers multiple variants, including mortgage term loans, lease rental discounting (LRD), and overdraft facilities, making it a versatile choice for various borrower needs.
At CreditCares, we make the Bandhan Bank Loan Against Property process faster, easier, and stress-free. Since we work directly with Bandhan Bank and several other top lenders, we compare offers and ensure you get the best loan deal at the lowest rate—saving you both time and money.
Key Highlights of Bandhan Bank Loan Against Property
| Feature | Details |
|---|---|
| Interest Rates | Starting from 9.40% p.a. (may vary based on applicant profile & property type) |
| Loan Amount | ₹5 lakh – ₹5 crore (depending on property value and eligibility) |
| Tenure | Up to 15 years |
| Processing Fee | Up to 1% of loan amount or as per bank discretion |
| Loan Variants | Mortgage Loan, Lease Rental Discounting (LRD), Overdraft Facility |
| Repayment Options | Flexible EMI structure, part-prepayment & foreclosure allowed |
📌 Note: Rates and charges are indicative. For the latest updates, check the official Bandhan Bank website.
👉 For a quick loan comparison and eligibility check, visit CreditCares Loan Against Property Services.
Bandhan Bank Loan Against Property Interest Rates (Min & Max)
Bandhan Bank’s Loan Against Property (LAP) carries floating interest rates catering to different borrower profiles:
-
Minimum (Floating Rate): 11.89% p.a.
-
Maximum (Floating Rate): 14.71% p.a.
These rates are subject to change based on the borrower’s credit score, loan amount, property type, and overall relationship with the bank.
LAP Interest Rate Comparison – Bandhan Bank vs Leading Lenders (2025)
| Lender | Interest Rate Range (% p.a.) | Apply Online |
|---|---|---|
| Bandhan Bank | 11.89% – 14.71% | APPLY NOW |
| HDFC Bank | 8.55% – 13.00% (Floating) | APPLY NOW |
| Axis Bank | 9.25% – 10.95% | APPLY NOW |
| State Bank of India (SBI) | 10.00% – 11.30% | APPLY NOW |
| Bank of Baroda (BoB) | 10.85% – 16.50% | APPLY NOW |
| Bank of India (BOI) | 11.25% onwards | APPLY NOW |
At CreditCares, we simplify the entire application journey. We assist with your documentation, help you compare loan offers across multiple lenders, and ensure you secure the most competitive deal — faster and stress-free.
Bandhan Bank Loan Against Property Eligibility
Bandhan Bank offers Loan Against Property (LAP) to both salaried individuals and self-employed borrowers, enabling them to leverage their residential, commercial, or industrial properties for financial needs. Below are the key eligibility criteria:
-
Age: Applicants must be between 21 years (minimum) and 75 years at loan maturity (or retirement age, whichever comes earlier)
-
Loan-to-Value (LTV): You can avail up to 60% of the residential property’s cost as a loan Bandhan Bank. For business entities, Bandhan Bank may offer higher loan amounts—up to ₹10 crore—against residential, commercial, and industrial collateral
-
Income Assessment: Your monthly disposable/surplus income is evaluated to determine eligibility and loan amount
Eligibility Breakdown
Salaried Individuals
-
Must be within the specified age bracket (21–75 years).
-
Regular income proof with salary slips, Form 16, PF statement, ITR for the past three years.
-
Eligible for property-backed loans up to 60% of property value
Self-Employed / Business Owners
-
Must meet age criteria and show business continuity and profitability.
-
Provide certified financials and business documentation like trade license, professional qualifications, partnership deed, etc.
-
Eligible for higher loans (up to ₹10 crore) against diverse property types including residential, commercial, and industrial
Property Requirements
-
Acceptable collateral includes residential, commercial, industrial properties, and plots (both residential and commercial)
At CreditCares, we make the Bandhan Bank Loan Against Property process faster, easier, and stress-free. Since we work directly with Bandhan Bank and several other leading lenders, we compare offers and ensure you secure the best loan deal at the lowest rate—saving you both time and money.
Documents Required for Bandhan Bank Loan Against Property
To apply for a Loan Against Property (LAP) from Bandhan Bank, applicants must furnish a set of KYC, financial, and property-related documents. The requirements vary depending on whether you’re a salaried individual or self-employed, with additional legal/technical documents for all applicants.
1. For Salaried Applicants
| Document Category | Required Documents |
|---|---|
| Application | Loan Application Form with recent photograph, Customer Relationship Form, Processing Fee Cheque |
| KYC Documents | Photo ID Proof, Address Proof, Age Proof (e.g., Aadhaar, PAN, Passport, Voter ID) |
| Income Documentation | Last 3 months’ Salary Slips, PF Statement, Form 16, Last 3 years ITR, Investment & Insurance Proofs |
| Banking & Other Loan Details | Bank Passbook (last 6 months), Credit Card Statement (last month), Existing Loan Sanction Letters & Repayment Track |
| Other Supporting Docs | Visiting Card, Rent Agreement (if applicable), Salary Certificate on employer’s letterhead (if no salary slips) |
| Legal & Property Docs | Approved Construction Plan, Sale Deed, Title Deed, Ownership Proof (Form 7/12, etc.), Property Photographs, NOC, NA Permission, Margin Receipts, etc. |
2. For Self-Employed Applicants
| Document Category | Required Documents |
|---|---|
| Application | Same as salaried applicants (Form, Photos, Processing Cheque) |
| KYC Documents | Photo ID, Address Proof, Age Proof (same as salaried) |
| Business & Income Documentation | Last 3 years’ Audited Financial Statements, ITRs, Business Note (with photos of place of business) |
| Banking & Other Loan Details | Bank Statements (last 6 months), Credit Card Statement, Other Loan Sanctions & Repayment Track |
| Business Proof | Shop & Establishment License, Professional Qualification, Partnership Deed / Ownership Documents |
| Legal & Property Docs | Same as salaried — Approved Plan, Title Deed, Property Photos, NA Permission, etc. |
Why These Documents Matter
Legal and technical documents help verify ownership, legal standing, and property value—guiding the bank’s decision-making and ensuring a safe collateral pledge.
For additional documentation guidance or hands-on application support, visit CreditCares Loan Documentation Support.
You can also verify full requirements on Bandhan Bank’s official portal: Bandhan Bank LAP Documents.
Bandhan Bank Loan Against Property Apply Online (Step-by-Step)
Applying for a Bandhan Bank Loan Against Property in 2025 is a simple and convenient process, thanks to the bank’s digital loan application system. Here’s how you can apply step by step:
Step 1: Visit the Official Website
Head to the Bandhan Bank Loan Against Property page to begin your online application.
Step 2: Check Your Eligibility
Use the bank’s loan eligibility tool to see if you qualify based on income, property value, and repayment capacity. For a deeper understanding, you can also explore this Loan Against Property Eligibility Guide to prepare better.
Step 3: Fill Out the Online Application Form
Provide your personal, property, and income details in the Bandhan Bank loan against property online application form.
Step 4: Upload Supporting Documents
Upload scanned copies of your KYC, income proofs, and property papers. If you need clarity, here’s a complete checklist of LAP documents for guidance.
Step 5: Verification and Processing
The bank verifies your details, checks your credit history, and inspects the property documents. In some cases, a site visit may be conducted.
Step 6: Loan Sanction and Disbursement
Once approved, you’ll receive a Sanction Letter with the loan amount, interest rate, and tenure details. Funds are usually credited directly to your account within a few working days.
Tracking Loan Status Online
Applicants can monitor their Bandhan Bank loan against property status by logging into the official portal or contacting customer support.
👉 Official link: Track Your Application
Why Many Borrowers Choose Expert Guidance
While applying directly online is convenient, many borrowers prefer seeking professional assistance to make the process smoother. Properly aligning documents, comparing interest rates across lenders, and avoiding application errors can save both time and money.
At CreditCares, our role is to simplify this process—we work closely with Bandhan Bank and other leading lenders to ensure applicants don’t miss out on the best possible rates. With guided support, loan approvals often become faster and less stressful.
Bandhan Bank Loan Against Property EMI Calculator
Planning your repayment strategy is one of the most important steps before applying for a Bandhan Bank Loan Against Property. An EMI calculator helps borrowers estimate their monthly repayment obligations based on the loan amount, tenure, and applicable interest rate.
How the EMI is Calculated
The EMI (Equated Monthly Instalment) is determined using this standard formula:
EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]
Where:
-
P = Loan Amount
-
R = Rate of Interest (monthly)
-
N = Loan Tenure in months
For example, if you take a Bandhan Bank LAP of ₹50 lakh at 10% p.a. for 15 years, the EMI would be approximately ₹53,730 per month.
Use CreditCares EMI Calculator for Accuracy
Instead of manual calculations, you can use the CreditCares EMI Calculator to compute your Bandhan Bank LAP EMIs instantly.
Benefits of using our calculator:
-
Quick and accurate EMI results
-
Flexible inputs for loan amount, tenure, and interest rates
-
Helps you compare EMIs across different banks (SBI, HDFC, Axis, Bandhan, etc.)
-
Free to use anytime before applying
👉 Try it here: Bandhan Bank Loan Against Property EMI Calculator
Key Benefits of Bandhan Bank Loan Against Property
Choosing a Bandhan Bank Loan Against Property (LAP) offers multiple advantages for both salaried individuals and self-employed borrowers. From competitive interest rates to flexible repayment, here are the top benefits:
1. Attractive Interest Rates
Bandhan Bank offers loan against property interest rates starting from as low as 9.50% p.a., making it one of the most affordable financing options compared to other private and public sector banks.
2. High Loan Amount Eligibility
Borrowers can avail loans ranging from ₹5 lakh up to ₹5 crore, depending on the type and value of the property pledged. This makes it suitable for business expansion, debt consolidation, education, or personal expenses.
3. Flexible Tenure Options
With repayment periods extending up to 15 years, Bandhan Bank provides flexibility for borrowers to choose tenures that best align with their income and repayment capacity.
4. Wide Range of Property Acceptance
Both residential and commercial properties can be mortgaged, giving applicants greater freedom in leveraging assets for financial needs.
5. Quick Processing & Simple Documentation
The bank ensures hassle-free documentation and faster loan disbursal, helping borrowers access funds quickly without unnecessary delays.
6. Transparent Charges
All processing fees, foreclosure charges, and interest rates are communicated upfront, ensuring complete transparency throughout the loan journey.
7. Overdraft Facility (OD)
For businesses and professionals, Bandhan Bank also provides an Overdraft Facility against property, offering flexibility in managing cash flow requirements.
At CreditCares, we simplify the Bandhan Bank Loan Against Property process by comparing offers from Bandhan Bank and other top lenders like SBI, Axis, and HDFC. This ensures you get the lowest interest rate, flexible tenure, and maximum loan eligibility—all while saving time and effort.
👉 Apply smart, save more with CreditCares Loan Against Property.
Frequently Asked Questions (FAQs) on Bandhan Bank Loan Against Property
1. What is the interest rate for Bandhan Bank Loan Against Property in 2025?
The Bandhan Bank loan against property interest rate starts from 9.50% p.a. and can go up to 11.50% depending on the applicant’s profile, loan amount, property type, and repayment history.
2. Who is eligible to apply for Bandhan Bank Loan Against Property?
Eligibility includes both salaried and self-employed individuals. Salaried applicants should have a stable job and income, while self-employed professionals/business owners must show regular income through audited financial statements. More details are available in our Loan Eligibility Guide.
3. What documents are required for Bandhan Bank LAP?
Key documents include identity proof, address proof, income proof (salary slips/ITR), property documents, and photographs. The exact list may vary based on whether you are salaried or self-employed. You can check the official Bandhan Bank LAP Documents List for full details.
4. How can I calculate EMI for Bandhan Bank Loan Against Property?
You can use the Bandhan Bank loan against property EMI calculator to estimate monthly installments. For accuracy, we recommend using the CreditCares EMI Calculator, where you can input loan amount, tenure, and interest rate to get precise EMI details.
5. How do I apply online for Bandhan Bank Loan Against Property?
Applicants can apply directly on the Bandhan Bank LAP Online Application Page by filling in personal and property details. Alternatively, you can apply through CreditCares, where we simplify the process by handling documentation and ensuring you receive the best deal.
6. Can I foreclose my Bandhan Bank Loan Against Property before the tenure ends?
Yes, Bandhan Bank allows foreclosure and part-prepayment. Charges may apply based on whether your loan is on a fixed or floating interest rate. For detailed charges, check with Bandhan Bank’s official foreclosure policy.
Conclusion
The Bandhan Bank Loan Against Property in 2025 stands out as a reliable financing solution for both salaried and self-employed borrowers. With competitive interest rates starting from 9.50% p.a., high loan amounts up to ₹5 crore, flexible tenures of up to 15 years, and quick processing, Bandhan Bank ensures that borrowers can meet their diverse financial needs—be it for business expansion, debt consolidation, or personal expenses.
However, choosing the right LAP option goes beyond just interest rates. It requires a careful look at eligibility, documents required, foreclosure rules, and EMI flexibility. This is where expert guidance makes a difference.
At CreditCares, we simplify the entire Bandhan Bank Loan Against Property application process. By working closely with Bandhan Bank and other leading lenders such as SBI, Axis, HDFC, and Tata Capital, we help you compare offers, minimize costs, and maximize loan eligibility. Our goal is to make the process faster, easier, and stress-free—so you secure the right deal without wasting time.
👉 Ready to take the next step? Check your eligibility with CreditCares today and get the best loan against property deal in 2025.
